£900,000 Mortgage Repayments (2026)
A £900,000 repayment mortgage at 5% over 25 years costs £5,261 a month. The table below covers rates from 3.5% to 6% and terms from 15 to 35 years.
| Rate | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|
| 3.5% | £6,434 | £5,220 | £4,506 | £4,041 | £3,720 |
| 4% | £6,657 | £5,454 | £4,751 | £4,297 | £3,985 |
| 4.5% | £6,885 | £5,694 | £5,002 | £4,560 | £4,259 |
| 5% | £7,117 | £5,940 | £5,261 | £4,831 | £4,542 |
| 5.5% | £7,354 | £6,191 | £5,527 | £5,110 | £4,833 |
| 6% | £7,595 | £6,448 | £5,799 | £5,396 | £5,132 |
Different amount or rate? Use the mortgage repayment calculator.
How it's worked out
Figures use the standard repayment-mortgage formula (capital and interest, equal monthly payments): payment = loan × monthly rate ÷ (1 − (1 + monthly rate)−months). They assume the rate stays the same for the whole term — in practice you'll re-fix every few years. Product fees, valuation fees and overpayments are not included.
FAQ
What are the monthly repayments on a £900,000 mortgage?
At a 5% interest rate over 25 years, a £900,000 repayment mortgage costs £5,261 a month — £1,578,393 repaid in total over the term. At 4% the same mortgage is £4,751 a month, and stretching to 30 years at 5% lowers the payment to £4,831.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £900,000 at 5%, a 15-year term costs £7,117 a month (£1,281,086 total), while a 35-year term costs £4,542 a month but £1,907,719 in total — the longer term repays far more interest for the same loan.
Are these figures exact quotes?
No — they are standard repayment-mortgage arithmetic (capital and interest, fixed rate for the whole term) to help you budget. A real offer depends on your deal period, fees, loan-to-value and credit profile, and rates change when a fixed deal ends. Interest-only mortgages cost less per month but repay none of the capital.